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Debt collectors like Advanced Capital Solutions cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.


If violated the law, you will get money damages and will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Advanced Capital Solutions?

Advanced Capital Solutions is an accounts receivable/debt collection agency based in North Canton, Ohio. Founded in 2012, is not accredited by the Better Business Bureau and has received over 80 negative complaints and reviews via the BBB in the past three years, almost all of which are for billing/collection problems. The BBB has identified patterns of consumer complaints against ACS for “false reporting of unpaid collections on credit reports,” harassment for loans or bills which were already paid, and other rude, harassing, and/or non-responsive behavior toward consumers.

Advanced Capital Solutions’s Address, Phone Number, and Contact Information

is located at 5553 Whipple Ave. NW, Suite 5, North Canton, OH 44720-7760. The main telephone number is 855-477-8864 and the main website is

Phone Numbers Used by Advanced Capital Solutions

Here are some phone numbers may be calling you from:

  • 706-229-6989
  • 877-241-8302
  • 909-327-4870


If you want to know just how unhappy consumers are with Advanced Capital Solutions, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display 7 lawsuits filed in six states, most of which involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

 Advanced Capital Solutions Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if violates the TCPA.Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. , like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or moreper month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.”If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Advanced Capital Solutions’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.


We have helped thousands of consumers stop phone calls and we know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if Advanced Capital Solutions is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.


If Advanced Capital Solutions is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.


If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Advanced Capital Solutions. Here are some of theBBB reviews and complaintsagainst :

  1. I received a call from this company today from Ms. S****. She was providing my personal information that was incorrect. When I advised her of this she stated that I probably just didn’t want to pay the bill. I have had dealings with this company before and EVERY employee is extremely RUDE and unprofessional. I advised Ms. S**** that I want to pay my debts and that the information that they have on file is incorrect and that she did not need to be rude to me by saying I didn’t want to pay my debt. She told me that I could just hang up a few times. I then asked to speak to a manager. I was then connected to a Mr. C******* who was at least more professional than Ms. S****. I advised him of my complaint and advised that I just don’t want phone calls anymore. I still have continued to receive phone calls the remainder of the day. I have never felt so humiliated or like garbage by any company that I have talked to. I have also been denied a copy of the debt that was owed.”
  1. I’ve been getting phone calls for about 2 months from and every call they say they’re going to take further action if I don’t call them back that day and of course nothing happens. I’ve looked that number up and it’s the same kind of call and always marked as a SCAM…I don’t know how to get rid of these people but it’s very annoying and they’re calling me about something from 8 years ago and I know nothing about it.”
  2. This place calls me numerous times, stating they are responding to a formal complaint about me! This is the second company that has purchased all my information for a PayDay loan application I submitted online in 2011. Beware their tactics are illegal, and they intimidate you into paying non-existent loans!”

Based on 12 reviews on Google, receives a 1.3-out-of-5 rating. Here are some of the reviews on Google:

  1. Definitely a scam! Called and said I had a debt and I KNOW I don’t owe anyone right now. Didn’t say what company the debt was from and didn’t state my name when leaving the message. Don’t give them your last name let alone a dollar!”
  2. Beware of ACS. These guys called me to collect debt from 10 years ago. Go to Transunion or Equifax to check your debts before paying them.”
  3. Was contacted by ACS regarding an alleged debt. Googling this company reveals many complaints about them to the BBB regarding attempts to collect nonexistent debts…it is impossible I incurred this debt and I have filed a complaint against them with the BBB.”

What Our Clients Say about Us

Mike Agruss Law has over 795 outstanding client reviews through Yotpo, an A+ BBB rating, and over 105 five-star reviews on Google. Here’s what some of our clients have to say about us:

Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Mike Agruss Law was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!

“Mike Agruss Law was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Advanced Capital Solutions Sue Me?

Although anyone can sue anyone for any reason, we have not seen sue consumers, and it’s likely that the agencydoes not sue because they don’t always own the debt they are attempting to collect, and would alsoneed to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Advanced Capital Solutions has threatened to sue you, contact Mike Agruss Law as soon as possible.

Can Advanced Capital Solutions Garnish my Wages?

No, unless they have a judgment. If Advanced Capital Solutions has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If has threatened to garnish your wages, contact our office right away.

Advanced Capital Solutions Settlement

If you want to settle a debt with Advanced Capital Solutions, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from Advanced Capital Solutions for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Advanced Capital Solutions, we at Mike Agruss Law are here to help you.

Share your Complaints against Advanced Capital Solutions Below

We encourage you to post your complaints about . Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!


If you are being harassed by Advanced Capital Solutions over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.

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Submitted Comments

4 months ago
Checkngo and Advanced Capital gets int my bank account at the same time and trays to take the same amount of money . Checkngo keeps calling me for loan payment while Advanced Capital Capital does it also
1 year ago
I am receiving calls from Advanced Capitol Solutions, claiming I have bad checks with Publix from 2018. They sent copies of checks and there is nothing on them that states they were refused or unpaid. Please advise
1 year ago
I am receiving calls from Advanced Capitol Solutions, claiming I have bad checks with Publix from 2018. They sent copies of checks and there is nothing on them that states they were refused or unpaid. Please advise